You need to talk to your ins again if you're worried about what they cover. A leaky roof is not the same as a flood, and the coverage you need is different, if that's what you asked them about.

There is also a differance between if a dishwasher or toilet is the source of flooding or if it's rain, if a sump pump quits, etc. Ins co's are tricky that way.

I sold an expensive basement floor to a couple who had flood insurance. Their sump pump died a few months later and their ins refused to pay, because that was equipment failure.

The manufacturer of the material would not pay either, although the product was water resistant and specified for below grade. It was not garanteed for water proof. Those people were out a few thousand dollars!



I later recommended a customer check her ins to see what it covered, and she must have done it. Because we went out on an insured replacement after the floor we installed was destroyed when an upstairs toilet seal leaked.

Water went down to first floor and ruined the kitchen floor - she got a whole new floor paid for.